Ladera Lending Inc. NMLS #835555
At a glance
- HeadquartersLadera Ranch, CA
- Size742 home loans closed in 2025
- Loan typesConventional, FHA and VA
- Licensed in20 states
- Formed in2011
2025 figures are for LADERA LENDING, INC.'s filing.
What it closes
Share of its 2025 home loans: 81% Conventional, 13% FHA and 6% VA.
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Who is Ladera Lending Inc.?
Ladera Lending Inc. (NMLS #835555) is a lender listed in the NMLS registry. FreeRateUpdate publishes this review alongside current mortgage rates, a rate finder, and mortgage calculators.
Is Ladera Lending Inc. legit?
Here's what public licensing records show. Ladera Lending Inc. holds mortgage licenses in 20 states, including Arizona, California, Colorado, Florida, Idaho (NMLS ID #835555, per NMLS records as of October 1, 2026). FreeRateUpdate publishes a Score built from public data and our own records. It does not endorse or vouch for any lender. You can confirm any lender's license yourself at nmlsconsumeraccess.org.
Key Facts
- Lender or brokerLadera Lending Inc.
- NMLS #835555
- Verified by FreeRateUpdateCompany name and NMLS ID, checked against NMLS on
- In the FreeRateUpdate network since
- Profile updated
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About Ladera Lending Inc.
Overview
Ladera Lending Inc. is a mortgage lender based in Ladera Ranch, California. The company works with borrowers on home purchase and refinance loans, and its branch network includes offices in five states.
Mortgage options
Mortgage options include adjustable-rate mortgages, jumbo loans and reverse mortgages. In 2025, Ladera Lending Inc. made conventional, FHA and VA loans. Its loans that year were for home purchases and refinances.
How it works
Borrowers can use an online pre-approval tool and a refinance rate checker.
Locations
Ladera Lending Inc. has eight branches in Arizona, California, Nevada, North Carolina and Texas.
Company details and licensing
The legal entity is Ladera Lending, Inc., a California corporation formed on May 17, 2011. Its headquarters is in Ladera Ranch, California, and its NMLS company ID is 835555. Trade names include Agent Mortgage, American Online Mortgage and Ladera Lending.
Ladera Lending Inc. is licensed in Arizona, California, Colorado, Florida, Idaho, Illinois, Massachusetts, Maryland, Minnesota, North Carolina, New Jersey, New Mexico, Nevada, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Washington and Wyoming.
Verify NMLS #835555 on NMLS Consumer Access
Sources
Sources last checked . These are the outside records this profile was written from. FreeRateUpdate is not affiliated with them, and they have not reviewed, endorsed, or approved FreeRateUpdate or this page.
Formation date and trade names come from NMLS registry records. FreeRateUpdate is not affiliated with NMLS, and NMLS has not reviewed, endorsed, or approved FreeRateUpdate or this page.
Additional information
Reported application outcomes and pricing, 2025
- Filed asLADERA LENDING, INC.
- 2025 home loan decisionsOf 840 applications decided by LADERA LENDING, INC. in 2025, 742 were originated, 26 were approved but not accepted by the borrower, and 72 were denied.
- Approval rate: approved (originated plus approved but not accepted) as a share of applications decided (approved plus denied) = 91.4%. Withdrawn, incomplete and purchased loans are not counted.
- Withdrawn, incomplete and purchasedBeyond the decisions above, 1,529 applications were withdrawn by the borrower, 2 were closed for incompleteness, and 0 loans were purchased from another lender. HMDA counts these as outcomes in their own right — withdrawn before a decision, closed with no decision reached, and a purchased loan is one bought from another lender — and none of them is a lending decision.
- Median rate spread0.655 percentage points above the average prime offer rate (reported on 742 originations)
These are reported outcomes from past applications, and on their own they do not show how this lender treated any borrower.
Reported closing costs, 2025
- Median total loan costs$5,141.57 — originated closed-end household loans, 2025, 742 loans. FFIEC HMDA data browser.
- Median origination charges$2,431.00 — originated closed-end household loans, 2025, 742 loans. FFIEC HMDA data browser.
- About these figuresThese are historical closing costs reported in the 2025 filing, not a quote for your loan.
Reported product mix, 2025
- Loan types604 Conventional, 96 FHA, 42 VA — of 742 reported originations, 2025. FFIEC HMDA data browser.
Evidence read October 20, 2026
Source: FFIEC HMDA data browser, 2025 filing. Historical HMDA-reported application outcomes and pricing fields for LADERA LENDING, INC. — historical outcomes for the applications it decided. This is not a statement of any consumer's likelihood of approval and not a current rate quote.
Frequently Asked Questions
Is Ladera Lending Inc. legit?
Here's what public licensing records show. Ladera Lending Inc. holds mortgage licenses in 20 states, including Arizona, California, Colorado, Florida, Idaho (NMLS ID #835555, per NMLS records as of October 1, 2026). FreeRateUpdate publishes a Score built from public data and our own records. It does not endorse or vouch for any lender. You can confirm any lender's license yourself at nmlsconsumeraccess.org.
What is Ladera Lending Inc.'s NMLS number?
Ladera Lending Inc.'s NMLS number is 835555. You can look up its license status on NMLS Consumer Access, at nmlsconsumeraccess.org.
Has FreeRateUpdate verified Ladera Lending Inc.'s NMLS ID?
Yes. We checked Ladera Lending Inc.'s company name and NMLS ID against the NMLS record on October 10, 2026. They've been in our lender network since March 2013. That confirms who the company is. It isn't an endorsement, and it doesn't check their license in any particular state.
Where can I learn more about Ladera Lending Inc.?
This page has Ladera Lending Inc.'s NMLS identity, which we verified, and its company details, with links to the records they come from where we have them. For its license status in a particular state, check NMLS Consumer Access.